public void RepayInstallments(DateTime payDate,
ref OCurrency amountPaid,
ref OCurrency interestEvent,
ref OCurrency principalEvent,
ref OCurrency feesEvent,
ref OCurrency commissionsEvent,
ref OPaymentType paymentType)
{
if (amountPaid == 0)
{
return;
}
// we need date without time part
payDate = payDate.Date;
Installment installment = null;
int daysInTheYear = _generalSettings.GetDaysInAYear(_contract.StartDate.Year);
int startNumber = 0;
int roundingPoint = _contract.UseCents ? 2 : 0;
OCurrency olb = _contract.CalculateActualOlb();
OCurrency actualOlb = _contract.CalculateActualOlb();
OCurrency interestsToRepay = 0;
OCurrency movedPrincipal = 0;
OCurrency paidPrincipal = 0;
OCurrency paymentOfInterest = 0;
OCurrency totalAmount = _calculateMaximumAmount.CalculateMaximumAmountAuthorizedToRepay(payDate);
DateTime beginDate = _contract.StartDate;
DateTime date = _contract.StartDate;
bool recalculateSchedule = false;
bool totalPayment = totalAmount == amountPaid &&
_contract.GetFirstUnpaidInstallment().Number != _contract.InstallmentList.Count;
#region calculate interest payment)
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (!installment.IsRepaid)
{
//get last repDate
if (date < _contract.GetLastRepaymentDate())
{
date = _contract.GetLastRepaymentDate();
beginDate = date;
}
}
}
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (installment.IsRepaid)
{
continue;
}
if (installment.Number == 1 && installment.ExpectedDate > payDate)
{
if (installment.PaidCapital == 0 && installment.PaidInterests > 0)
{
date = installment.Number == 1
? _contract.StartDate
: _contract.GetInstallment(installment.Number - 2).ExpectedDate;
beginDate = date;
}
int daySpan = (payDate - _contract.StartDate).Days < 0
? 0
: (payDate - _contract.StartDate).Days;
installment.InterestsRepayment = olb * _contract.InterestRate * daySpan / daysInTheYear;
installment.InterestsRepayment =
Math.Round(installment.InterestsRepayment.Value, roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment;
startNumber = 0;
date = installment.ExpectedDate;
}
if (installment.Number > 1 && installment.ExpectedDate > payDate)
{
OCurrency paidInterests = installment.PaidInterests;
int daySpan = (payDate - date).Days < 0 ? 0 : (payDate - date).Days;
installment.InterestsRepayment = olb * _contract.InterestRate * daySpan / daysInTheYear + paidInterests;
installment.InterestsRepayment =
Math.Round(installment.InterestsRepayment.Value, roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment - paidInterests;
date = installment.ExpectedDate;
}
if (installment.ExpectedDate <= payDate)
{
OCurrency calculatedInterest = 0;
OCurrency paidInterest = 0;
if (installment.PaidInterests > 0 &&
installment.InterestsRepayment > installment.PaidInterests)
{
calculatedInterest = installment.PaidInterests;
}
if (installment.PaidCapital == 0 &&
installment.PaidInterests > 0 &&
installment.PaidInterests != installment.InterestsRepayment)
{
DateTime dateOfInstallment = installment.Number == 1
? _contract.StartDate
: _contract.GetInstallment(installment.Number - 2).ExpectedDate;
int d = (date - dateOfInstallment).Days;
OCurrency olbBeforePayment =
_contract.Events.GetRepaymentEvents().Where(
repaymentEvent =>
!repaymentEvent.Deleted && repaymentEvent.Date <= dateOfInstallment).
Aggregate(
_contract.Amount,
(current, repaymentEvent) => current - repaymentEvent.Principal);
calculatedInterest =
(olbBeforePayment * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear * d).Value;
calculatedInterest = Math.Round(calculatedInterest.Value, roundingPoint,
MidpointRounding.AwayFromZero);
if (installment.PaidInterests < calculatedInterest && actualOlb == olbBeforePayment)
{
paidInterest = installment.PaidInterests.Value;
calculatedInterest = 0;
date = dateOfInstallment;
}
if (installment.PaidInterests < calculatedInterest && actualOlb != olbBeforePayment)
{
paidInterest = 0;
calculatedInterest = installment.PaidInterests;
}
}
DateTime expectedDate = installment.ExpectedDate;
//in case very late repayment
if (installment.Number == _contract.InstallmentList.Count &&
installment.ExpectedDate < payDate &&
installment.PaidCapital == 0)
{
expectedDate = payDate;
}
int daySpan = (expectedDate - date).Days < 0
? 0
: (expectedDate - date).Days;
if (daySpan == 0 && calculatedInterest > 0)
{
interestsToRepay += calculatedInterest - installment.PaidInterests;
}
if (daySpan > 0)
{
installment.InterestsRepayment = Math.Round((olb * _contract.InterestRate / daysInTheYear * daySpan).Value,
roundingPoint, MidpointRounding.AwayFromZero);
installment.InterestsRepayment =
Math.Round(calculatedInterest.Value + installment.InterestsRepayment.Value,
roundingPoint,
MidpointRounding.AwayFromZero);
interestsToRepay += installment.InterestsRepayment - calculatedInterest - paidInterest;
date = installment.ExpectedDate;
}
}
}
#endregion
#region Repay installment
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
#region payment on time
if (installment.ExpectedDate == payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (interestsToRepay < amountPaid && amountPaid > 0)
{
if (!totalPayment)
{
if (
AmountComparer.Compare(amountPaid,
installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (installment.CapitalRepayment - installment.PaidCapital == amountPaid)
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
else
{
OCurrency paidCapital = installment.PaidCapital;
movedPrincipal = amountPaid - installment.CapitalRepayment + paidCapital;
installment.PaidCapital = amountPaid + paidCapital;
installment.CapitalRepayment = amountPaid + paidCapital;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital += amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital = amountPaid;
installment.CapitalRepayment = amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
paymentType = OPaymentType.TotalPayment;
}
}
PaidIstallments.Add(installment);
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
olb -= installment.CapitalRepayment;
}
beginDate = installment.ExpectedDate;
startNumber = installment.Number;
recalculateSchedule = true;
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (amountPaid == 0)
{
break;
}
}
#endregion
#region payment installmets which is late
if (installment.ExpectedDate < payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
recalculateSchedule = true;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (amountPaid - interestsToRepay > 0 && amountPaid > 0)
{
if (AmountComparer.Compare(amountPaid, installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (amountPaid - interestsToRepay < installment.CapitalRepayment - installment.PaidCapital)
{
OCurrency paidCapital = installment.PaidCapital;
installment.PaidCapital = amountPaid - interestsToRepay + paidCapital;
amountPaid -= installment.PaidCapital - paidCapital;
paidPrincipal += installment.PaidCapital - paidCapital;
}
else
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
}
else
{
installment.PaidCapital += amountPaid - interestsToRepay;
paidPrincipal += amountPaid - interestsToRepay;
amountPaid -= paidPrincipal;
}
}
if (paidPrincipal > 0 || paymentOfInterest > 0)
{
PaidIstallments.Add(installment);
}
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
olb -= installment.CapitalRepayment;
}
startNumber = installment.Number;
beginDate = installment.ExpectedDate;
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (amountPaid == 0)
{
break;
}
}
#endregion
#region early payment
if (installment.ExpectedDate > payDate)
{
OCurrency interestPrepayment = 0;
installment.CommissionsUnpaid = 0;
installment.FeesUnpaid = 0;
installment.PaidFees = 0;
recalculateSchedule = true;
//interest
if (amountPaid == 0)
{
break;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref paymentOfInterest,
ref interestPrepayment);
interestsToRepay -= paymentOfInterest;
if (amountPaid - interestsToRepay > 0 && amountPaid > 0)
{
if (AmountComparer.Compare(amountPaid, installment.CapitalRepayment - installment.PaidCapital) > 0)
{
if (installment.CapitalRepayment - installment.PaidCapital == amountPaid)
{
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
paidPrincipal += principalHasToPay;
}
else
{
OCurrency paidCapital = installment.PaidCapital;
movedPrincipal = amountPaid - installment.CapitalRepayment + paidCapital;
installment.PaidCapital = amountPaid + paidCapital;
installment.CapitalRepayment = amountPaid + paidCapital;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
else
{
installment.PaidCapital += amountPaid;
paidPrincipal += amountPaid;
amountPaid = 0;
}
}
if (paidPrincipal > 0)
{
startNumber = installment.Number;
}
if (installment.CapitalRepayment - installment.PaidCapital > 0 &&
installment.CapitalRepayment > 0)
{
startNumber = installment.Number - 1;
}
beginDate = startNumber > 0 ? installment.ExpectedDate : _contract.StartDate;
if (installment.PaidCapital > 0)
{
olb -= paidPrincipal;
}
else
{
if (startNumber == installment.Number)
{
olb -= installment.CapitalRepayment;
}
}
if (paidPrincipal > 0 || paymentOfInterest > 0)
{
PaidIstallments.Add(installment);
}
principalEvent += paidPrincipal;
interestEvent += paymentOfInterest;
paidPrincipal = 0;
paymentOfInterest = 0;
if (installment.CapitalRepayment > 0 &&
installment.CapitalRepayment - installment.PaidCapital == 0 &&
olb > 0)
{
OCurrency paidInterests = installment.PaidInterests;
int daySpan = (installment.ExpectedDate - payDate).Days < 0
? 0
: (installment.ExpectedDate - payDate).Days;
installment.InterestsRepayment = paidInterests.Value +
Math.Round((olb * _contract.InterestRate / daysInTheYear * daySpan).Value
, roundingPoint, MidpointRounding.AwayFromZero);
}
if (amountPaid == 0)
{
break;
}
}
#endregion
}
#endregion
//recalculate installmets after repayment
if (recalculateSchedule)
{
OCurrency o = _contract.CalculateActualOlb();
bool isCapitalRemoved = false;
bool isInterestCalculated = false;
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
installment = _contract.GetInstallment(i);
if (installment.Number > startNumber)
{
OCurrency remainingPrincipal = 0;
Installment priorInstallment = null;
Installment priorInstallment1 = null;
if (installment.Number > 1)
{
priorInstallment = _contract.GetInstallment(installment.Number - 2);
}
if (installment.Number > 2)
{
priorInstallment1 = _contract.GetInstallment(installment.Number - 3);
}
if (priorInstallment != null &&
priorInstallment.CapitalRepayment - priorInstallment.PaidCapital > 0 &&
priorInstallment.PaidCapital > 0 &&
!isCapitalRemoved)
{
remainingPrincipal = priorInstallment.CapitalRepayment - priorInstallment.PaidCapital;
isCapitalRemoved = true;
}
if (installment.CapitalRepayment - installment.PaidCapital > 0 &&
installment.PaidCapital > 0 &&
!isCapitalRemoved)
{
remainingPrincipal = -1 * installment.PaidCapital.Value;
isCapitalRemoved = true;
beginDate = payDate;
}
// balloon case /////////////////////
if (installment.CapitalRepayment == 0 &&
installment.PaidCapital == 0 &&
installment.PaidInterests == 0)
{
beginDate = installment.Number > 1 ? priorInstallment.ExpectedDate : _contract.StartDate;
isInterestCalculated = false;
isCapitalRemoved = true;
}
/////////////////////////////
if (priorInstallment != null &&
priorInstallment1 != null &&
priorInstallment.InterestHasToPay == 0 &&
installment.PaidCapital == 0 &&
priorInstallment1.PaidCapital > 0 &&
priorInstallment1.CapitalRepayment - priorInstallment1.PaidCapital > 0 &&
!isCapitalRemoved)
{
olb = o;
remainingPrincipal = priorInstallment.CapitalRepayment + priorInstallment1.CapitalRepayment -
priorInstallment1.PaidCapital;
isCapitalRemoved = true;
}
if (installment.InterestsRepayment == 0)
{
o = olb;
}
installment.OLB = Math.Round(olb.Value, roundingPoint);
if (installment.ExpectedDate > payDate &&
installment.PaidInterests > 0 &&
olb == actualOlb)
{
beginDate = installment.Number > 1 ? priorInstallment.ExpectedDate : _contract.StartDate;
}
DateTime expectedDate = installment.ExpectedDate;
//in case very late repayment
if (installment.Number == _contract.InstallmentList.Count &&
installment.ExpectedDate < payDate &&
installment.PaidCapital == 0)
{
expectedDate = payDate;
beginDate = priorInstallment.ExpectedDate;
}
int days = (expectedDate - beginDate).Days;
if (installment.PaidInterests == installment.InterestsRepayment && days < 0)
{
days = 0;
}
OCurrency interestPayment =
(o * Convert.ToDecimal(_contract.InterestRate) / daysInTheYear * days).Value;
if (olb == actualOlb && !isInterestCalculated)
{
installment.InterestsRepayment =
Math.Round(interestPayment.Value, roundingPoint, MidpointRounding.AwayFromZero);
isInterestCalculated = true;
}
else
{
installment.InterestsRepayment +=
Math.Round(interestPayment.Value, roundingPoint, MidpointRounding.AwayFromZero);
}
if (installment.PaidCapital == 0 && movedPrincipal > 0)
{
movedPrincipal -= installment.CapitalRepayment;
if (movedPrincipal > 0)
{
installment.CapitalRepayment = 0;
}
else
{
installment.CapitalRepayment = installment.CapitalRepayment -
(installment.CapitalRepayment + movedPrincipal);
}
}
if (!totalPayment)
{
olb -= installment.CapitalRepayment + remainingPrincipal;
}
else
{
installment.CapitalRepayment = 0;
}
if (installment.PaidInterests != installment.InterestsRepayment && days >= 0)
{
beginDate = installment.ExpectedDate;
}
o = olb;
}
else
{
beginDate = payDate >= installment.ExpectedDate ? payDate : installment.ExpectedDate;
}
}
}
if (installment != null)
{
for (int i = installment.Number; i < _contract.NbOfInstallments; i++)
{
_contract.GetInstallment(i).FeesUnpaid = 0;
}
}
}
public void RepayNextInstallments(ref OCurrency amountPaid, ref OCurrency interestEvent, ref OCurrency interestPrepayment, ref OCurrency principalEvent, ref OCurrency feesEvent, ref OCurrency commissionsEvent)
{
if (amountPaid == 0)
{
return;
}
for (int i = 0; i < _contract.NbOfInstallments; i++)
{
Installment installment = _contract.GetInstallment(i);
if (!installment.IsRepaid && amountPaid > 0)
{
//commission
_methodToRepayCommission.RepayCommission(installment, ref amountPaid, ref commissionsEvent);
if (amountPaid == 0)
{
break;
}
//penalty
_methodToRepayFees.RepayFees(installment, ref amountPaid, ref feesEvent);
if (amountPaid == 0)
{
break;
}
//Interests
if (amountPaid == 0)
{
return;
}
_methodToRepayInterest.RepayInterest(installment, ref amountPaid, ref interestEvent, ref interestPrepayment);
//principal
if (amountPaid == 0)
{
_paidInstallments.Add(installment);
return;
}
OCurrency principalHasToPay = installment.CapitalRepayment - installment.PaidCapital;
if (AmountComparer.Compare(amountPaid, principalHasToPay) < 0)
{
installment.PaidCapital += amountPaid;
installment.PaidCapital = Math.Round(installment.PaidCapital.Value, 2);
principalEvent += amountPaid;
amountPaid = 0;
}
else if (AmountComparer.Compare(amountPaid, principalHasToPay) > 0)
{
installment.PaidCapital = installment.CapitalRepayment;
amountPaid -= principalHasToPay;
principalEvent += principalHasToPay;
}
else
{
installment.PaidCapital += amountPaid;
installment.PaidCapital = Math.Round(installment.PaidCapital.Value, 2);
principalEvent += amountPaid;
amountPaid = 0;
}
_paidInstallments.Add(installment);
}
}
}